Side-by-side · Q2 2026 data
South Ottumwa Savings Bank vs Community Bank and Trust Company
Metric by metric
| Measure | South Ottumwa Savings Bank | Community Bank and Trust Company |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 80 (stronger) | 33 |
| Loan quality | 72 | 97 (stronger) |
| Earnings | 76 | 85 (stronger) |
| Funding & liquidity | 70 | 80 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 68th | 53rd |
| Total assets | $565.4M | $303.5M |
| Deposits / shares | $473.9M | $280.3M |
| Capital ratio | 13.00% (stronger) | 8.28% |
| Problem loans | 0.83% | 0.08% (stronger) |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.40% | 1.62% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 68.8% |
| Uninsured deposits | 35.1% | 25.1% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), South Ottumwa Savings Bank leads on 3 and Community Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.